COASTAL FINANCIAL CORP /DE, 10-K, EX-23, 2000-12-26

COASTAL FINANCIAL CORP /DE
10-K, EX-23, 2000-12-26
SAVINGS INSTITUTION, FEDERALLY CHARTERED

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                                                                     EXHIBIT 23

                         CONSENT OF INDEPENDENT AUDITORS

The Board of Directors
Coastal Financial Corporation:

We consent to  incorporation  by reference in the  registration  statements (No.
333-49741 and  333-01274) on Form S-8 of Coastal  Financial  Corporation  of our
report  dated  October 25,  2000,  relating to the  consolidated  statements  of
financial  condition of Coastal  Financial  Corporation  and  subsidiaries as of
September  30,  2000  and  1999,  and the  related  consolidated  statements  of
operations,  stockholders'  equity and comprehensive  income, and cash flows for
each of the years in the  three-year  period ended  September  30,  2000,  which
report is  incorporated  by reference in the September 30, 2000 Annual Report on
Form 10-K of Coastal Financial Corporation.

                                                        KPMG LLP

Greenville, South Carolina
December 22, 2000

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